Jammu and Kashmir Bank Limited (NSE:J&KBANK)

Jammu and Kashmir Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	99,633	97,083	125,411	112,132	93,552	80,130
Interest Income on Investments	34,655	34,424	-	-	-	-
Total Interest Income	134,288	131,507	125,411	112,132	93,552	80,130
Interest Paid on Deposits	75,147	72,686	67,413	60,079	46,094	41,013
Net Interest Income	59,141	58,821	57,998	52,053	47,458	39,116
Net Interest Income Growth	0.29%	1.42%	11.42%	9.68%	21.32%	3.72%
Gain (Loss) on Sale of Assets	-	-	9.94	10.67	11.93	2.86
Gain (Loss) on Sale of Investments	-	-	534.14	1,034	391.39	876.83
Other Non-Interest Income	9,164	9,507	10,925	7,332	7,249	6,655
Total Non-Interest Income	9,164	9,507	11,469	8,377	7,652	7,535
Non-Interest Income Growth	-23.74%	-17.11%	36.92%	9.46%	1.56%	7.41%
Revenues Before Loan Losses	68,305	68,328	69,468	60,429	55,110	46,651
Provision for Loan Losses	975.5	286.1	-39.17	-1,077	745.95	5,620
Revenue	67,330	68,042	69,507	61,506	54,364	41,031
Revenue Growth	-4.77%	-2.11%	13.01%	13.14%	32.50%	23.63%
Salaries and Employee Benefits	24,750	24,868	27,879	25,790	27,086	26,751
Occupancy Expenses	-	-	3,313	3,699	2,931	2,761
Selling, General & Administrative	-	-	675.84	673.05	544.72	511.98
Other Non-Interest Expense	13,329	13,537	8,252	7,464	5,947	5,963
Total Non-Interest Expense	38,111	38,486	40,165	37,612	36,689	36,082
EBT Excluding Unusual Items	29,219	29,555	29,342	23,894	17,675	4,949
Pretax Income	29,219	29,555	29,342	23,894	17,675	4,949
Income Tax Expense	6,181	5,960	8,524	6,182	5,870	-
Net Income	23,038	23,595	20,818	17,712	11,805	4,949
Net Income to Common	23,038	23,595	20,818	17,712	11,805	4,949
Net Income Growth	7.26%	13.34%	17.53%	50.04%	138.56%	15.50%
Basic Shares Outstanding	1,102	1,102	1,101	1,052	964	831
Diluted Shares Outstanding	1,102	1,102	1,101	1,052	964	831
Shares Change	0.29%	0.03%	4.67%	9.18%	15.99%	16.44%
EPS (Basic)	20.91	21.42	18.91	16.84	12.25	5.96
EPS (Diluted)	20.91	21.42	18.91	16.84	12.25	5.96
EPS Growth	6.96%	13.30%	12.29%	37.44%	105.65%	-0.81%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Dividend Per Share	-	-	2.150	2.150	0.500	-
Dividend Growth	-	-	0%	330.00%	-	-
Effective Tax Rate	21.15%	20.17%	29.05%	25.87%	33.21%	-

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 2, 2026

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